Bank of Grand Lake
Grove, OK · Cert 57915 · Peer group: banks under $1B in assets in OK (n=88-89) · Townsend Holding Co.
State charter, non-member · FDIC · 2 branches
Q2 2026
$249.1MAssets
$156.5MLoans
$218.8MDeposits
$24.7MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 80% of banks under $1B in assets in OK (rank 18 of 89).
- Widest gap: net interest margin trails 84% of banks under $1B in assets in OK (rank 75 of 89).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.85%
Rank 67 of 89
Net Interest Margin
3.21%
Rank 75 of 89
Efficiency Ratio
67.04%
Rank 58 of 89
Equity / Assets
9.90%
Rank 60 of 89
Non-interest income vs. expense
Unfavorable gap of $5.1M · efficiency ratio beats 36% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.85% | 1.26% | 1.60% | Beats 25% | 67 / 89 | | |
| Return on Equity | 8.62% | 7.40% | 11.89% | 14.65% | Beats 33% | 60 / 89 | | |
| Net Interest Margin | 3.21% | 3.46% | 3.93% | 4.45% | Beats 16% | 75 / 89 | | |
| Efficiency Ratio | 67.04% | 54.70% | 60.95% | 71.14% | Beats 36% | 58 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.96% | 0.30% | 0.82% | 2.25% | Beats 48% | 47 / 88 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.20% | Beats 76% | 22 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 16.89% | 10.89% | 13.00% | 16.33% | Beats 80% | 18 / 89 | | |
| Total Risk-Based Capital Ratio | 17.54% | 11.20% | 13.06% | 16.33% | Beats 80% | 18 / 89 | | |
| Equity / Assets | 9.90% | 9.26% | 10.94% | 13.52% | Beats 33% | 60 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.53% | 61.51% | 72.27% | 84.01% | 48th pctl | 46 / 88 | | |
| Loans / Assets | 62.81% | 52.51% | 63.15% | 71.27% | 48th pctl | 46 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |